Congratulations on taking the exciting step toward homeownership with a VA loan! At WIN Mortgage, we understand the importance of this milestone for veterans, active-duty service members, and eligible spouses, and we're here to support you every step of the way. Our team of mortgage experts is dedicated to making the VA loan process smooth and stress-free, so you can focus on building your future.
Why Choose the Desousa Team at WIN Mortgage for VA Loans?
Expert Guidance
Navigating the VA loan process can be complex, but our experienced mortgage brokers are here to provide expert guidance tailored to your unique situation. We'll ensure you understand the benefits and requirements of VA loans, helping you make informed decisions that align with your financial goals.
Tailored Solutions
Every veteran’s homeownership journey is unique. That’s why WIN Mortgage specializes in crafting personalized VA loan solutions that fit your budget and aspirations. Whether you’re purchasing your first home or refinancing an existing loan, we’ll work with you to find the best options available.
Educational Resources
Knowledge is power when it comes to VA loans. Explore our comprehensive educational resources, including guides, articles, and FAQs, designed specifically for veterans and military families. We’ll empower you with the information you need to navigate the VA loan process confidently.
Affordable Options
VA loans offer numerous benefits, including no down payment and competitive interest rates, making homeownership more accessible for those who have served our country. WIN Mortgage is committed to providing affordable mortgage options that make your dream of owning a home a reality.
Our Services for Veterans
Pre-Approval Assistance
Gain a competitive edge in the housing market with our quick and reliable pre-approval services. With a pre-approved VA loan, you’ll know your budget upfront,
allowing you to shop for your dream home with confidence.
VA Loan Expertise
As specialists in VA loans, we understand the unique requirements and benefits of this program. Whether you’re a first-time homebuyer or looking to refinance, our team will
guide you through the VA loan process from start to finish.
Ongoing Support
Our commitment to you extends beyond closing. We provide ongoing support and assistance, ensuring you have a trusted partner for any questions or future mortgage
needs.
What is a VA Loan?
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs (VA), offering great benefits to eligible service members, veterans, and their families.
VA Loan Benefits
● No money down needed to buy a home.
● Refinance up to 100% of your home’s value.
● No PMI (Private Mortgage Insurance) required.
● Sellers can pay your closing costs.
● Easier to qualify for, as VA loans are backed by the government.
● VA Streamline Refinance option available for lowering interest rates with minimal paperwork.
● Disabled veterans may qualify for a waiver of the VA Funding Fee.
Who is Eligible for a VA Loan?
You may be eligible for a VA loan if any of the following apply:
● You served 181 days during peacetime (Active Duty).
● You served 90 days during wartime (Active Duty).
● You served 6 years in the Reserves or National Guard.
● You are the spouse of a service member who was killed in the line of duty.
● You currently receive disability payments from the VA.
Understanding the VA Funding Fee
The VA Funding Fee is required to help cover the cost of guaranteeing your loan. This fee can range from 1.25% to 3.3% of the loan amount, depending on factors such as your military status, loan type, and down payment. However, disabled veterans may qualify for a waiver of the funding fee.
● Can the VA Funding Fee be included in my loan?
Yes, you can roll the fee into your loan and pay it over time.
● Do I still pay closing costs?
Yes, but sellers can cover all or part of your closing costs.
What is a VA Streamline Refinance?
A VA Streamline Refinance (also known as an Interest Rate Reduction Refinance Loan, or IRRRL) allows you to lower your interest rate with minimal paperwork and no
out-of-pocket costs. It’s a quick and easy way to reduce your monthly mortgage payments without the need for extensive financial documentation.
Start Your Homeownership Journey with a VA Loan!
Your service to our country deserves to be honored with a seamless and positive homeownership experience. At WIN Mortgage, we are proud to help veterans and military families achieve their dream of homeownership with VA loans.
Start Your Construction Loan Journey With Us Today!
The following is a partial list of programs offered by WIN Mortgage LLC with a brief description of the key elements of each.
Home Loans Customized For You.
Buy A Home
Provide borrowers with the necessary funds to buy residential properties, offering various terms, interest rates, and down payment options tailored to individual financial situations.
First-Time Home Buyer
Specialized mortgage programs designed to assist individuals purchasing their first home by offering benefits such as lower down payments, reduced interest rates, and educational resources to navigate the home buying process.
Investment/Non QM Loans
Designed to facilitate the purchase or refinancing of properties with the intention of generating rental income or capital appreciation.
Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) is a flexible loan option that allows homeowners to borrow against the equity in their property, providing access to funds for various purposes with the ability to draw and repay funds as needed.
Construction Loans
Offering funding specifically tailored for the development or renovation of properties
VA Loans
Offering favorable terms such as no down payment and competitive interest rates to facilitate home purchases.
Refinance
Loans designed to enable homeowners to replace their existing mortgage with a new loan, often to secure better terms, lower interest rates, or access equity in their property.
